How big a down payment do you need?
The down payment is at least 10 % of the price, but you need more cash than that. Here is the full sum you must have on completion day.
cash at completion
At least 10 % of the price
Adjust house details
Stamp duty uses the higher of price and assessed value
Deeds that transfer cost nothing; only new ones are charged
How we calculate
The down payment is the part of the price you pay yourself. Since 1 April 2026 you can borrow up to 90 % of the home value, so the requirement is at least 10 % in cash. On a 4 million kr home that is 400 000 kr.
Don’t forget the purchase costs
Buying a house adds the title deed (1.5 % stamp duty on the price) and mortgage deeds (2 % on new ones) plus admin fees. For an apartment there is no stamp duty, only the association’s transfer and pledge fees of a few hundred to a thousand kronor.
A bigger down payment lowers the monthly cost
Get below 70 % loan-to-value and the amortisation requirement halves; below 50 % it disappears. More cash now means a lower mandatory outflow every month.
More calculators
Terms used here
Heimer does this for you
Paste a listing and get the monthly cost, the hidden risks, and what to check. In 30 seconds.
Try it free